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科技创新和技术改造再贷款
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加大消费信贷投放 金融支持服务消费扩面提质
Jing Ji Ri Bao· 2025-09-24 23:59
比如,央行设立两个结构性货币政策工具。5月9日,中国人民银行印发《关于设立服务消费与养老再贷 款有关事宜的通知》,专门设立5000亿元服务消费与养老再贷款,引导金融机构加大对住宿餐饮、文体 娱乐、教育、居民服务、旅游等服务消费重点领域和养老产业的信贷投放。目前,金融机构申报服务消 费与养老再贷款近600亿元,涉及经营主体近4000家,贷款5700多笔。 近日,商务部、中国人民银行等部门印发《关于扩大服务消费的若干政策措施》(以下简称《政策措 施》),提出发挥金融、财政等政策合力,从供需两端激发服务消费新增量,促进服务消费高质量发 展。 政策合力效应显现 服务消费是经济增长的重要驱动力,在外部环境不确定性加大、国内经济转型调整的宏观背景下,提振 服务消费的必要性不断凸显。 政策引领加快服务消费提质发展。"去年以来,按照党中央、国务院关于大力提振消费、全方位扩大国 内需求的决策部署,中国人民银行出台了一系列金融支持政策,有效带动扩大服务消费供给,支持更好 满足居民服务消费需求。"中国人民银行信贷市场司负责人杨虹表示。 此外,《政策措施》提出,综合运用货币信贷等政策工具,支持金融机构扩大服务消费领域信贷投放, 加大 ...
科技部副部长邱勇:科技创新和技术改造再贷款规模增加到8000亿元
Ke Ji Ri Bao· 2025-09-19 07:23
9月18日,在国新办举行的"高质量完成'十四五'规划"系列主题新闻发布会上,科技部副部长邱勇表 示,科技离不开金融的大力支持。银行信贷更大力度支持科技创新,科技创新和技术改造再贷款规模增 加到了8000亿元,再贷款利率降低至1.5%,支持的范围更大、贷款的利率更低。联动实施"创新积分 制"和科技创新专项担保计划,累计向21家银行推荐了超过17万家科技型中小企业,签订贷款合同超 2900亿元,企业融资的获得感显著提升。推动国家开发银行设立3000亿元的"重大科技创新和基础研究 专项贷款",加强对国家重大科技任务的金融支持。在中央政策的引导下,截至6月底,科技型中小企业 贷款余额达到3.46万亿元,同比增长22.9%,增速比各项贷款高16.1个百分点。 ...
新华财经晚报:育儿补贴新规出台 骗取、冒领将被追责
Xin Hua Cai Jing· 2025-09-18 13:58
Domestic News - The new regulations on childcare subsidies emphasize streamlining application and review processes, clarifying disbursement timelines and channels, enhancing information management, and strengthening supervision. Agencies involved must establish robust oversight mechanisms, and any fraudulent claims will lead to fund recovery and accountability [1][2] - As of August 2023, the total number of electric vehicle charging infrastructure units in China reached 17.348 million, marking a year-on-year increase of 53.5% [3] - The postal industry in China reported a business revenue of 142.99 billion yuan in August, a year-on-year growth of 4.4%. For the first eight months of 2023, the cumulative revenue reached 1.16106 trillion yuan, up 7.8% year-on-year [3] - The "2025 China Service Industry Top 500" report indicates that the total revenue of the listed companies reached 5.11 trillion yuan in 2024, with the average revenue exceeding 100 billion yuan for the first time, reaching 102.22 billion yuan [4] International News - The European Central Bank reported that the eurozone's current account surplus narrowed to 27.7 billion euros in July, with the surplus as a percentage of GDP dropping to 2% from the previous 2.6% [5] - Australia's unemployment rate remained stable at 4.2% in August, with a slight decrease of 5,400 jobs month-on-month, while year-on-year employment increased by approximately 1.5% to 14.6265 million [5] Market Overview - The Shanghai Composite Index closed at 3,831.66, down 1.15% [6] - The Shenzhen Component Index ended at 13,075.66, down 1.06% [6] - The Hang Seng Index closed at 26,544.85, down 1.35% [6]
中国人民银行将增加3000亿元科技创新和技术改造再贷款额度
Xin Hua Wang· 2025-08-12 05:55
中国人民银行行长潘功胜5月7日在国新办举行的新闻发布会上宣布,中国人民银行将增加3000亿元 科技创新和技术改造再贷款额度,由目前的5000亿元增加至8000亿元,持续支持"两新"政策实施。(记 者吴雨、任军) 【纠错】 【责任编辑:赵文涵】 ...
国家发改委最新发声!
券商中国· 2025-07-25 06:03
Core Viewpoint - The article emphasizes the importance of promoting large-scale equipment updates and the replacement of consumer goods to address complex domestic and international situations, expand domestic demand, accelerate economic and social development, and facilitate a comprehensive green transition [1]. Group 1: Consumer Goods Replacement - As of June 30 this year, the replacement of old consumer goods in five categories (automobiles, home appliances, digital products, home decoration, and electric bicycles) has driven sales exceeding 1.6 trillion yuan, surpassing the expected sales for 2024 [2]. - The government aims to ensure a smooth and orderly implementation of the consumer goods replacement policy by balancing the use of funds and focusing on key products [2]. Group 2: Equipment Updates - In the first half of 2025, investment in equipment and tools is expected to grow by 17.3% year-on-year, with significant growth in related sectors such as computer and office equipment manufacturing (21.5%) and consumer goods manufacturing (12.3%) [2]. - The government plans to utilize special long-term bonds to support equipment update projects and accelerate project construction and fund disbursement [2]. Group 3: Financial Support and Policy Implementation - The article highlights the need to enhance financial support for equipment updates through loan interest subsidies and to simplify operational processes to boost market enthusiasm [3]. - It emphasizes the importance of supporting high-demand durable consumer goods and prioritizing the replacement of scrapped products [3]. Group 4: Supervision and Management - The government stresses the need for strict supervision and management to prevent project and fund risks, ensuring accountability at all levels [4]. - Measures will be taken to combat fraudulent activities related to national subsidies and to enhance the quality supervision of consumer goods [4].
国家发改委署名文章:动态优化消费品以旧换新政策结构 加快资金拨付形成更多实物工作量
Core Viewpoint - The National Development and Reform Commission emphasizes the importance of promoting large-scale equipment updates and the replacement of old consumer goods to expand domestic demand and accelerate economic and social development towards a green transition [1][2]. Group 1: Policy Implementation - The "Two New" policy aims to enhance the implementation mechanism, strengthen coordination, focus on key areas, and improve support measures while ensuring strict supervision and management [1][2]. - As of June 30, 2023, the sales driven by the replacement of old consumer goods in five categories (automobiles, home appliances, digital products, home decoration, and electric bicycles) exceeded 1.6 trillion yuan, surpassing the expected sales for 2024 [1]. Group 2: Financial Support - The implementation of the "Two New" policy will involve utilizing special long-term government bond funds to support equipment update projects, ensuring timely project construction and fund disbursement [2][3]. - The policy will focus on key products and equipment, leveraging policy incentives and financial support to enhance energy-saving and carbon reduction efforts [2]. Group 3: Risk Management and Compliance - The National Development and Reform Commission will enforce strict supervision and management to prevent project and fund risks, ensuring accountability throughout the project lifecycle [3]. - Measures will be taken to combat fraudulent activities related to national subsidies and ensure compliance with financial regulations, including the cancellation of participation for entities engaging in price violations or subsidy fraud [3].
恒丰银行:科技创新和技术改造再贷款精准赋能 陪伴中小企业攀“高”向“新”
Qi Lu Wan Bao· 2025-07-14 10:55
中小生物医药企业在快速成长期,常因"轻资产、重研发"特性,面临厂房建设融资难、成本高的痛点, 掣肘研发成果快速转化。恒丰银行成都分行紧抓政策机遇,主动落实清单内企业的授信对接和金融支 持,通过"厂房按揭贷款"提供520万元贷款。此举不仅帮助企业解决长期资金缺口,有效缓解还款压 力、担保落实难等问题,更依托科技创新和设备更新再贷款政策切实降低其融资成本。目前,新厂房建 设全速推进,预计今年10月,企业将在全新升级的研发生产环境中加速腾飞。 低成本信贷加速国产技术升级 科技型中小企业在设备升级或技术研发中,因高投入、长周期的运营特征,常陷入融资成本高昂、资金 回笼慢的困局。在陕西,恒丰银行西安分行积极推动科技创新和技术改造再贷款落地,为符合条件的企 业精准提供资金支持。 支持技术改造和设备更新,结构性货币政策工具正在发力,恒丰银行闻令而动,将金融"活水"精准引向 创新沃土。从"中国钛谷"的高端材料生产线,到天府之国的医药研发基地,再到古都西安的航空通讯设 备供应企业,这家全国性股份制商业银行积极贯彻落实"两新"政策扩围部署,以政策工具为杠杆,撬动 金融资源精准灌溉,在服务中小企业创新图谱上勾勒出生机勃勃的发展轨迹 ...
13.05亿元技术改造再贷款项目落地重庆长寿
Sou Hu Cai Jing· 2025-06-19 05:16
Group 1 - The People's Bank of China has increased the re-lending quota for technological innovation and technological transformation by 300 billion, bringing the total to 800 billion [1] - The Chongqing branch of the People's Bank of China is focusing on key enterprises and projects to promote the implementation of the re-lending policy [1][2] - The policy aims to enhance financial support for technological upgrades and high-quality development in the region [5] Group 2 - Chuanwei Chemical, the largest natural gas fine chemical and new materials enterprise in China, is the third-largest enterprise in terms of technical transformation funding needs in the Chongqing selection list [2] - The Chongqing branch of the People's Bank of China is actively engaging with financial institutions to understand the financing needs of enterprises and provide tailored service plans [5] - As of June 6, 2025, Chuanwei Chemical has secured a total credit of 1.305 billion from various banks for four projects, with contracts signed amounting to 1.187 billion [5]
降息降准!央行出台一系列宽松货币政策,利好“还贷一族”
Sou Hu Cai Jing· 2025-05-07 06:57
Core Viewpoint - The People's Bank of China (PBOC) has introduced a comprehensive monetary policy package aimed at increasing long-term liquidity supply and maintaining market liquidity through measures such as reserve requirement ratio (RRR) cuts and interest rate reductions [2][3][4]. Group 1: Monetary Policy Measures - The RRR has been lowered by 0.5 percentage points, expected to provide approximately 1 trillion yuan in long-term liquidity to the market [2]. - The reserve requirement ratio for auto finance and financial leasing companies will be reduced from 5% to 0% [3]. - The policy interest rate has been decreased by 0.1 percentage points, with the 7-day reverse repurchase rate dropping from 1.5% to 1.4%, likely leading to a similar decline in the Loan Prime Rate (LPR) [3]. - Structural monetary policy rates have been cut by 0.25 percentage points, including various special policy rates and the agricultural and small business re-lending rate, from 1.75% to 1.5% [3]. - The personal housing provident fund loan rate has been reduced by 0.25 percentage points, with the 5-year and above first home loan rate decreasing from 2.85% to 2.6% [3]. - An additional 300 billion yuan has been allocated for technology innovation and technological transformation re-lending, increasing the total from 500 billion yuan to 800 billion yuan [4]. - A new 500 billion yuan re-lending facility for service consumption and elderly care has been established to encourage banks to increase credit support in these areas [4]. - The re-lending quota for agricultural and small business support has been increased by 300 billion yuan, complementing the reduction in re-lending rates [4]. Group 2: Impact on Consumption and Investment - The new policies are expected to stimulate domestic consumption, reducing reliance on international trade, and addressing issues related to healthcare, elderly care, and housing [4]. - Lower interest rates on loans for renovations and car purchases, along with faster loan approvals for small businesses, are anticipated to benefit borrowers [5]. - The reduction in financing costs for enterprises is expected to enhance their development, stabilize employment, and ensure residents' income stability [6]. - The release of liquidity is seen as beneficial for the stock market, particularly in the financial and technology sectors, as well as the bond market [7]. Group 3: Future Policy Directions - The PBOC plans to continue implementing moderately loose monetary policies, adjusting based on domestic and international economic conditions and financial market operations [8]. - There is potential for expanding the scale of existing tools, improving policy elements, or creating new policy instruments in response to economic performance [8].
央行首降结构性工具利率、增设新工具 权威专家:将挖掘新动能
Bei Ke Cai Jing· 2025-05-07 04:10
Core Viewpoint - The People's Bank of China (PBOC) has announced a series of macro monetary policy measures aimed at addressing structural economic issues and stimulating domestic demand through targeted financial support [1][2][3]. Group 1: Interest Rate Adjustments - The PBOC has lowered the structural monetary policy interest rate by 0.25 percentage points, reducing it from 1.75% to 1.5% for various special structural policies and from 2.25% to 2% for mortgage supplementary loans [2][3]. - This marks the first comprehensive reduction of structural monetary policy tool rates by the PBOC, which includes long-term tools like agricultural and small business re-loans as well as short-term tools for carbon reduction and housing support [3][4]. Group 2: New Policy Tools - A new re-loan tool of 500 billion yuan has been established to support service consumption and elderly care, aimed at encouraging banks to increase credit support in these sectors [5][6]. - This new tool is an expansion and upgrade of the previous inclusive elderly care re-loan policy, which initially had a quota of 40 billion yuan and was piloted before being rolled out nationwide [8][9]. Group 3: Increased Quotas for Existing Tools - The quotas for two existing structural monetary policy tools have been increased by 300 billion yuan each: the quota for technology innovation and technical transformation re-loans has risen from 500 billion yuan to 800 billion yuan [10][11]. - The increase in quotas for agricultural and small business re-loans is expected to enhance support for inclusive finance, particularly for rural, small, and private enterprises [14]. Group 4: Optimization of Existing Tools - The PBOC has merged the quotas of two tools—stock repurchase and securities, fund, and insurance company swap convenience—totaling 800 billion yuan to improve usability and flexibility for different types of institutions [15][16]. - As of now, the swap convenience has conducted two operations totaling 105 billion yuan, and over 500 listed companies have announced the use of loans for stock repurchases, amounting to nearly 300 billion yuan [17].